- Report: #422711
Report - Rebuttal - Arbitrate
Complaint Review: FINGERHUT
FINGERHUT6509 Flying Cloud Drive Eden Prairie, Minnesota U.S.A.
FINGERHUT SCAM - LOST MERCHANDISE I RETURNED AND WONT CREDIT ME AND KEEPS BILLING EVEN AFTER DISPUTE Eden Prairie Minnesota
*Consumer Comment: SEND YOUR RETURNED MERCHANDISE BY REGISTERED MAIL
*Consumer Comment: Just a few observations
*UPDATE Employee: Response to complaint
A business' first
line of defense
on the Internet.
If your business is
willing to make a
Click here now..
I returned USPS signature required. It was signed according to tracking number January 10, 2009. Late January 2009 I received a phone call saying bill was due. I paid again with a pay by phone fee, and I asked why the ring was still not credited. They said affidavit can take 30 days. Feb 10, 2009 I called and now I am being told they don't have the affidavit (when it has been 30 days), in which I have proof that it was received via the USPS tracking confirmation.
Customer service was rude, told me they would not credit until researched. I said no research now, it has been 30 days and I have fulfilled my end of the bargain. I then asked WHY am I being billed, a 24.9% APR, finance charges and minimum payment due when the Billing Rights Summary on reverse of statement, which is protecting me under the Fair Credit Billing Act states that I do not have to pay the disputed amount.
This is under investigation according to Customer Service, and I stated that this falls under a billing dispute and I should not owe any longer until it is resolved, which is the entire $52.40 balance. They refuse. I asked for Manager, they refused. They said they will refer to billing. This is unfair, it has been past the time allotted by their agreements, I followed my end, and now I am being denied my right under the Fair Credit Billing Act per the Billings Rights Summary on the Fingerhut reverse side of the bill.
I called back and paid by phone to pay the balance to zero. I have requested my account closed. NOW comes the test..FILED a complaint with the BBB AND having PAID it off AND closed it...we'll see what they do. HERE's what I demanded:
I now request that under my formal complaint:1) Fingerhut explain to me why I was not forgiven the payments (prior to paying it off) according to their Billing Rights Summary2) Why I am at fault for an affidavit that I have proof was received they claim they do not have3) A check in the amount of the total of the following (because I have paid the balance in full when I returned merchandise): a) The price of the ring in question (roughly $59) b) The cost of the two pay-by-phone with live rep charges in December and January (I believe they were 4.95 or 6 dollars each) c) The finance charges that were assessed December, January and February d) The pay-by-phone electronic fee of $1 on Feb 10 e) 60*.35cents = $21 for the time on my cell phone to dispute this matter in which I was passed to three people Feb 10 with no resolution, rude service, and breach of the Billing Rights Summary
This report was posted on Ripoff Report on 02/10/2009 07:56 PM and is a permanent record located here: http://www.ripoffreport.com/r/FINGERHUT/Eden-Prairie-Minnesota-55344/FINGERHUT-SCAM-LOST-MERCHANDISE-I-RETURNED-AND-WONT-CREDIT-ME-AND-KEEPS-BILLING-EVEN-AFT-422711. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.